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Dental insurance plans might not be for everyone, but everybody does need dental care. What do you do if you want to keep your dental costs low but don’t want to spring for dental insurance? You could go with discount dental plans instead. These are not like traditional insurance plans, but they do serve a similar function.
Let’s talk about dental savings, because not everyone is familiar with what these plans are and how they work. We told you they are not like traditional insurance, and that is true for many aspects of these plans.
For one, they don’t require that you pay any copayments or annual deductible. Those fees are completely gone when you choose a dental savings plan. You only pay the monthly premium, plus whatever dental expenses are left that are not covered by the plan. Remember, this is just a discount plan, so you still pay for all of your dental services. You just get to pay a lower cost per service than other people would who don’t have a savings plan.
Unlike regular dental insurance, you have no limit to the number of times you can go to visit your dentist and receive services from your dentist. With a traditional insurance plan, you would be limited to one or two visits a year for checkups and cleanings. If you were to go more times than what your plan covers, then you have to pay the full cost yourself. With a dental discount plan, you can keep going back to your dentist or orthodontist as many times as you like and still been to from the full discount.
You also don’t have to put up with any waiting period. That means that you can get coverage right away from your dental discount provider and do not need to wait for a period after you enroll in the discount plan. You can enjoy discounts immediately after enrolling.
You will never have to pay an annual maximum either, since the discount plan doesn’t pay for any coverage. That is another fee that you can just forget about having to deal with.
You can usually choose your provider, but then that provider will be the one you have to stay with until you change your plan or request a new provider. You cannot simply go from one provider to the next at will and expect your plan to discount their services for you. You also don’t get to take advantage of a network of providers like an insurance plan would give you, but then, most people only ever use a single dentist or orthodontist anyway.
The coverage from a dental discount plan is typically around 10% for each service. It is unlikely that half or more of the cost of a service will be covered by your plan. This is true of preventative care and routine procedures, as well as more expensive and intensive procedures.
If you would like to minimize your costs as much as possible, a dental savings plan is a good way to do that, but even with this type of plan, there are ways that you can keep your costs low.
Dental savings are diverse plans, meaning that there are quite a few different ones. There isn’t just a standard plan to choose with standard rates. You can pick from a wide range of plans, and our site helps you to do that. We give you quotes from different insurance companies on these types of plans. You can use that information to find an affordable plan that covers you well. That may seem like a tall order, and it would be if you had to go to each insurance company individually and request a quote. You don’t need to do that, though. You can just enter a search in our website and see a list of results for what you are looking for. You will find results for your local area that show current pricing information. You will be able to make a smart and informed decision.
The more quotes that you manage to source, the more likely you are to find a really affordable savings plan. There are some out there that are being sold at very competitive rates, and you just have to do some looking to discover them. Our site is going to help you with that a lot, and it can really speed up the searching process for you to ensure you get a plan that fits your needs and your budget.
Another way to save money on this kind of plan is to use our site after you have chosen a plan. That may not make much sense to search for quotes after you have settled on a plan, but you should keep in mind that prices change on a yearly basis. The plan you found that is priced very reasonably one year might not be the most reasonably priced savings plan next year or the year after. So, it pays to compare the costs of different plans every so often, which you can do here on our site. See if there is a better deal out there for dental coverage than what you currently have, and you can enroll in that plan and save yourself some money.
A dental savings plan is not the only kind of dental insurance you could get. You could instead enroll in a traditional insurance plan. This is going to differ from the discount dental plans in that you would have to pay a monthly premium, copays for most visits and an annual deductible that will have to be met before you can get any coverage from your insurance plan.
Most people will sign up for an HMO dental insurance plan, as this gives them a low-cost coverage option that covers them so long as they stay within their insurance company’s coverage area or network. You could really save money with a plan like this, and it comes in a few different varieties, offering either high or low coverage.
PPOs will cost you a bit more, but they also provide greater coverage. A PPO will cover you not just on the network, but it also covers you outside the network, providing most of the same coverage to you as you would get while on your insurer’s network. This allows you to pick your dental provider and go where you want to go for dental services. That may seem like a waste of money, but this is an essential plan for people who don’t live near a network dentist or who want to go with a dentist who is not part of their insurance company’s network.
For something that’s a little bit of both of these options, you could go with a POS plan. This will cover you on the network fully, but then if you want to go outside of the network, you just request your network dentist to provide you with a referral. That allows you to go elsewhere for dental services than just within your insurer’s network, and it is a great way to choose the insurer you want without having to pay the high rates of the PPO plans. POS plans cost more than HMOs but less than PPOs.
There may be other options as well, and if you need help figuring out which plan to go with and what might work best for your coverage needs and your finances, then please talk to us. We are happy to advise you over the phone at no charge and to provide you with professional counseling to help you choose an appropriate insurance plan.
Which insurance companies will sell you a dental savings plan? There are actually quite a few of them, and we will tell you about some of the more notable ones. These are companies with great rates or customer service who are worth a look. You can find out more about what they offer and how much their plans cost by using our website.
With a Humana Dental savings, you could be enjoying big discounts and pay only a portion of the costs for orthodontic care and routine checkups. You get to enjoy major discounts over other insurers and a great customer service team that will look out for your best interests.
This is one of the biggest insurance providers the country, offering one of the largest networks in the country, so that makes them a great choice for people who want lots of options and who want to be covered pretty much everywhere they go. They offer a range of plans to pick from as well, so even if they cannot cover you fully with an HMO, they can get you a PPO that will cover you anywhere you like.
This insurer offers low prices and a variety of perks, so you may want to look into their offerings if you would like some extra value for your coverage plan. Their savings are significant, and you can see how they compare to the competition by using our site and assessing prices.
Whether you are looking for an individual plan or a group plan or even an employer plan, Careington has you covered with lots of options. They have some great discount plans too, like the Careington Savings option. This will provide you with discounts on dental service soya need and help you to cut your costs dramatically from what you would normally have to pay out of pocket for. Careington is known for giving its customers big discounts on very expensive dental services, like emergency dental care and orthodontic operations, helping people to save a lot of money.
You might not think of this pharmacy chain as being an insurance provider, but they are actually one of the more respected and trusted insurers for dental savings plans. The CVS iSave plan is a good choice because of its unique coverage and its ability to offer some deep discounts on prescription medication. Plus, you get to take advantage of CVS locations all across the country with this insurer providing your discount plan.
These are some of the options available to you, and you can use our site to search for others as well. Just enter your zip code and see what kind of plans and providers are available in your area.
We have told you a lot about dental savings plans, and now you have to decide if they might be the right option for you. We know you have many choices, including a number of different traditional insurance plans. If conventional insurance isn’t affordable for you, though, then a dental savings plan could be just what you need.
Dental savings plans are often cheaper per month than an insurance plan and they work very well for people who are on a tight budget and who just want to be able to go to the dentist as often as they need. People with recurring oral health issues as well as those who are elderly would benefit from a plan like this that may not be offering full insurance coverage but that can give deep discounts on standard dental services.
Dental savings plans are even helpful for those who are interested in getting braces put in or those who would like to have dentures to replace their teeth. This kind of coverage plan can help with those costs, minimizing the expense and making dental care affordable and simple.
If you are not sure whether you need discount dental plans or conventional insurance, then give us a call. We can help walk you through your choices and point out why you might want to go with one or the other. We can help you to make a decision you will not regret and that you can feel good about later on.